Every 8-K that Winchester Bancorp, Inc. (WSBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow WSBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full WSBK filings page.
Winchester Bancorp, Inc., holding company for Winchester Savings Bank, reported net income of $4.4 million, or $0.49 per common share, for the year ended June 30, 2026, compared with a net loss of $874,000 a year earlier. Operating net income for 2025 was $750,000 (non-GAAP), highlighting a strong year-over-year improvement. Net interest income rose to $25.0 million, as net interest margin expanded to 2.55% from 2.05%, while the non-GAAP efficiency ratio improved to 75.2%.
Balance sheet growth was broad-based. Total assets reached $1.10 billion, up 15.4%. Net loans increased to $870.8 million, up $119.6 million or 15.9%, led by residential and multifamily portfolios. Deposits grew to $809.2 million, up $130.1 million or 19.1%, driven by municipal deposits. Asset quality remained solid: non-performing assets were $1.6 million, or 0.15% of total assets, and the allowance for credit losses on loans was $4.8 million, or 0.55% of total loans.
The board approved a change in fiscal year end from June 30 to December 31. The company plans a transition Form 10-K for the six-month period July 1 to December 31, 2026, a Form 10-Q for the quarter ending September 30, 2026, and has amended its bylaws to reflect the new fiscal year.
Winchester Bancorp, Inc. reported much stronger third quarter 2026 results, with net income of $1.1 million, or $0.13 per share, up from $305,000 a year earlier. For the nine months ended March 31, 2026, net income rose to $3.2 million from $46,000.
Growth was driven by higher net interest income of $6.3 million, a 44.0% increase, and a net interest margin that expanded by 52 basis points to 2.54%. Loans grew to $840.5 million, up 11.9% since June 30, 2025, while deposits reached $783.7 million, up 15.4%, largely from municipal customers.
Profitability metrics improved, with return on average assets at 0.44% versus 0.14% and the efficiency ratio improving to 72.7% from 92.5%. Asset quality remained solid, with non-performing assets of $1.7 million, or 0.16% of total assets, and an allowance for credit losses of $4.5 million, or 0.54% of total loans. The company also announced a new branch in Wakefield, MA.
Winchester Bancorp, Inc., the holding company for Winchester Savings Bank, filed a current report to note that it has released financial results for the quarter ended December 31, 2025. The company issued a press release on January 28, 2026, and attached it as an exhibit for investors who want more detail.
The report clarifies that the press release is provided as supplemental information and is not treated as a formally filed document under certain securities law sections.
Winchester Bancorp, Inc. reported the results of its annual meeting held on November 12, 2025. Stockholders elected five directors to three-year terms, with each nominee receiving a clear majority of votes cast. There were 1,068,150 broker non-votes on the director elections.
Stockholders also ratified the appointment of Wolf & Company, P.C. as the independent registered public accounting firm for the fiscal year ending June 30, 2025, with 7,860,906 votes FOR, 115,672 AGAINST, and 1,005 ABSTAIN.
Winchester Bancorp, Inc., the holding company for Winchester Savings Bank, furnished an 8-K to report that it issued a press release with financial results for the quarter ended September 30, 2025. The press release, dated October 22, 2025, is included as Exhibit 99.1 to this report.
Winchester Bancorp, Inc. filed a current report to inform investors about the timing of its next shareholder gathering. The company announced that its annual meeting of stockholders will be held on November 12, 2025. This is a routine corporate governance event where stockholders typically vote on board members and other matters, although specific agenda items are not described in this document.